我国网络借贷行业深度转型发展的若干思考

Reflections on the Transition and Development of China's P2P Lending Industry

当前我国网络借贷服务市场出清速度正不断加快。以"小额"、"分散"和"期限短"为特征,以服务普惠金融为起点的网络借贷行业,在多因素共振下正面临深度转型。从实践层面看,我国网络借贷行业面临的"信息中介"定位不清、大数据信用风险管理落地难以及对投资者不设门槛等三大问题,不仅增加投资者自身面临的信用风险,也对行业稳健发展造成巨大冲击。建议优化网络借贷平台功能定位、建立和完善网络借贷平台退出机制、设定投资者准入门槛、推广互联网大数据共享机制建设,同时进一步提升网络借贷行业发展环境。

The clearing in the internet lending service market in China is accelerating by present.Characterized by dispersing,small amount and short-term,the internet lending industry being financial inclusive in essence and influenced by various factors,has to face deep transition.Judging from practice,this industry is faced by ambiguous position with information intermediary,hard to access credit risks management through big data and no threshold for investors,which not only increases the investors’credit risks,but also impacts the stable development of the industry.This paper suggested improving the functional position,setting up the exit mechanism,enacting a threshold for investors and promoting the sharing of multidimensional big data,at the same time the development environment for the internet lending should also be improved.